S&P 500 · DCA Calculator
How much would you have if you had dollar-cost averaged?
Pick a frequency and amount. Adjusted historical S&P 500 closes, T+1 execution. Every calculation has its own shareable URL.
If you invested $500/month in S&P 500 from 2021-05 to 2026-05...
$44,067
grown from $30,000 invested over 4.9 years. +$14,067 (+46.89%)
Growth over time
Dashed line: cumulative invested · Solid line: portfolio value
Investment schedule
- Per investment
- $500.00
- Frequency
- Monthly
- Window
- 2021-05-04 → 2026-05-04
- Duration
- 4.9 years
- Number of investments
- 60× $500.00 each
Results
- Total invested
- $30,00060 × $500.00
- Final value
- $44,067as of 2026-05-04
- Total return
- +$14,067+46.89%
- Annualized (IRR)
- 15.84%/yrcompounded over 4.9 years
How we calculate this
- Prices are Yahoo Finance adjusted closes (dividends reinvested, splits applied).
- Investments scheduled on market holidays execute at the next trading day's close (T+1 policy). Bitcoin trades 24/7, so BTC investments execute on the exact scheduled date.
- For daily and weekly schedules, when multiple scheduled days roll forward to the same trading day (e.g., Saturday + Sunday both land on Monday), we count one investment on that day, not two. Daily DCA on stocks works out to ~252 executions per year; on Bitcoin, 365 per year.
- IRR is computed via bisection on cashflow NPV, annualized from monthly cashflows.
- All dates are treated as UTC. Prices are NYSE closing prices (for stocks) or UTC 24-hour closes (for Bitcoin).